Fixing my wrecked car

Last month, I had to take my car into the shop to get a major problem fixed and I spent my entire emergency fund on the repair (and also had to put a good chunk of it on my credit card, which I have been working on paying down).?

Unfortunately, soon after that, my fianc? was in a car accident.? Everyone involved was mostly uninjured and the other cars involved had minimal damage.? Our car, however, was not so lucky.? Even more unfortunate, my fianc? was found to be at fault, and since we do not have comprehensive car insurance, we will be responsible for the full cost of damages to our car.
This is our only car and our city's public transportation system is currently on strike (with no negotiations scheduled and no end in sight), leaving us in a very difficult situation.? We either have to catch rides to and from work with co-workers or walk long distances to get where we need to be.? For this reason, I would like to get the car fixed ASAP, but I do not currently have the funds to take it to the repair shop to even find out exactly what is wrong with it.

I am hoping to secure a loan that will not only allow me to fix any and all damages to the car, but will also allow me to rebuild my emergency fund with any money that is left over (in order to prevent a situation like this from happening in the future).? I don't know much about cars, so I am not sure how much it is going to cost, so the loan amount I am requesting is for the "worst case scenario."

I currently have another prosper loan and I have made regular and punctual payments on it since September 2008.? I am working very diligently on paying down my debts and a major portion of my income goes toward that.

Consolidating Payments for School

Purpose of loan:
The purpose of this loan is to allow for an easier transition between semesters. Student loan disbursements are made twice a year and this will help consolidate current payments made monthly (car insurance, website maintenance, a few small credit cards for Christmas) into one small payment to help mitigate monthly expenses between disbursements. I will still be working but this will allow me to continue my studies and earn more money in the future.

My financial situation:
?I live within my means, and I know what my means are. In an economy like this there is no better place to be than school, and I am more than capable of working and going to school, making this a reliable loan. I have never been late on a loan payment (I took out a prosper loan once before to work on a technology project) and with something as important as education you can't afford to wait, so I come to you, the members of Prosper, asking for help. I pay almost no bills, I live in a $300 dollar utility included apartment, and I make a? nice salary, especially in this lower cost of living part of the country, all my benefits are covered so no worries about any medical expenses, I do well, and will repay on time every month without fail. Utilization is slightly higher than my last set of loans because of the recent market issues limits have dropped without warning or rationale. I have stock and will set aside student loan money, you will never have to worry about getting your money bank, I stand by my word when I borrow as my credit history shows.

Monthly net income: $ 2100

Monthly expenses:$990
??Housing: $ 300
??Insurance: $ 200
??Car expenses: $ 225
??Utilities: $ 0
??Phone, cable, internet: $ 15
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 150
??Other expenses: $ 0

Our 2nd Hookah Pipe Product

Purpose of loan:
This loan will be used as working capital to get my second product to market, the HoboNargile.

The Product:
The HoboNargile is the follow up product to the HoboHookah (another product funded partially through prosper). We have added a number of new features that were requested by our user base, including a removable down stem, release valve and capacity for a second hose. In addition, we now have very competitive pricing that allows us to access the higher-volume distributor market.

This is not a new business, and we have been around for 2 years. We have an established website, with a full compliment of products (http://www.hobohookah.com), a strong following (including 600+ email list with a 10%+ conversion rate), and 3 distributors confirmed all in different countries.

The Need:
We have completed the redesign and need to place a large initial order with the manufacturer (3000 units). In order to complete the order, we need to take out a loan for additional working capital. This loan will be used exclusively to secure product and will be paid back on an advanced time schedule as the product sells out of the initial product run.

Interesting links about the product and company:
Product Specs Page - http://hobohookah.com/hobonargile-specs.php
Our online sales platform - http://hobohookah.com/
Product blog - http://hobohookah.com/blog/

Cash Flows and Plan of Repayment:

Units
Inventory
Sold
Revenue
Wholesale
Online Retail
Total
Expenses
Cost of Goods
Prosper Loan
Total
Cash FlowNov
150
100

$9350
$3950
$13300

$13250
$1000
$14250
-$950Dec
1850
1250

$14500
$4700
$19200

$27420
$1000
$28420
-$9220Jan
550
100

$0
$4700
$4700

$0
$3000
$3000
+$1700Feb
450
150

$0
$6950
$6950

$0
$4000
$4000
-$2950Mar
300
100

$0
$6950
$6950

$0
$4000
$4000
-$2950Apr
150
150

$0
$6950
$6950

$0
$4000
$4000
-$2950

repairs to car

Purpose of loan:
This loan will be used to?repairs needed for my vehicle to get back?and forth to work?????

My financial situation:
I am a good candidate for this loan because? I pay all my bills on time

Monthly net income: $

Monthly expenses: $
??Housing: $ 604.00????
??Insurance: $
??Car expenses: $
??Utilities: $ 100.00
??Phone, cable, internet: $ 50.00
??Food, entertainment: $ 50.00
??Clothing, household expenses $
??Credit cards and other loans: $ 300.00
??Other expenses: $

New Children's Concierge Service

Kidcierge is a boutique concierge company servicing families with children ages
birth to eighteen years old visiting or residing in New York City.

The Market

Although there are numerous private concierge companies servicing buildings
and hotels throughout New York City, there are no services that are devoted
specifically to the care and comfort of families with children. Therefore, the
Market is completely untapped.

The Customers

Kidcierge will be concentrating on two different target customer segments.
The first is luxury class families residing in New York City. With over
55,000 potential clients, the company can succeed with just 0.4% of this
potential clientele base. The second group of customers is luxury class families
visiting New York City. With over 155,000 prospective clientele throughout the
year, this group can provide huge additional revenue for the city.

Kidcierge is an exciting and innovative service that provides optimal service for
families visiting or residing in New York City. Kidcierge will reach sustainable
profitability by month six and generate $1.27 million in profits by year three.
Through a combination of well-priced services, outstanding customer service,
and a well seasoned management team,

Kidcierge will set the standard and become the premier child concierge service
in New York City.

DEVELOP EXCLUSIVE DISTRIBUTORSHIP

DEVELOP EXCLUSIVE DISTRIBUTORSHIP FOR 45 YEAR OLD CONSUMER FOOD PRODUCT COMPANY:
SALES AND MARKETING EXPENSES

My financial situation:I have rough budgetary equilibrium (revenues cover expenses) in my full time job income. So, as the home equity loan option is not available with the current soft real estate I have chosen this creative financing option to provide start up expenses for this distributorship. Also, please consider I am a good candidate for this loan because i am a responsible mature adult familiar with business finances; I am comptroller for a company. My credit record shows a long term record of timely payments on a variety of debt types and the loan payment is well within my budgetary capability even without considering the income that will immediately result from distributor income. This exclusive distributorship is an excellent opportunity that only requires a small start up funding after which it will be self-funding. So, rather than struggle with this business I have chosen this creative financing option to get to the break even point faster. Further, this exclusive distributorship is supported by a contract and the full enthusiastic support of the food product company management.

Monthly net income: $6,700

Monthly expenses: $6,300
??Housing: $2,700
??Insurance: $100
??Car expenses: $1000
??Utilities: $200
??Phone, cable, internet: $150
??Food, entertainment: $300
??Clothing, household expenses $200
??Credit cards and other loans: $1500
??Other expenses: $150

Operational Capital Needed

Purpose of loan:
This loan will be used to fund our marketing campaign and inventory development.

My financial situation:
I am a good candidate for this loan because I, and my wife, have a steady income through the federal government for the next 6 years through active duty military service as an Officer. The company has been operating for a few years out of our own pockets so we are 100% committed to making it profitable. My business partners and I (plus my wife) have very minimal debt. The company is on the brink of either death or success based on the financial position we can take over the next 2 months. We are not able to fund it properly on our own. We are established in the action sports industry and are honest hard working people just looking for someone to take a chance on us the way we have taken a chance on our dream. Thank you for your time.

Monthly net income: $ 6,500

Monthly expenses: $
??Housing: $ 866.00
??Insurance: $ 212.00
??Car expenses: $ 570.00
??Utilities: $ 125.00
??Phone, cable, internet: $ 130
??Food, entertainment: $ 300
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 110
??Other expenses: $ 150

Tech Equipment funding loan

This $1000 will go towards upgrading my computer equipment. And will be payed off early, like in 2-3 months. You will be satisfied when dealing with me.

Also I am looking to establish credit here on Prosper because I have very interesting projects coming up that will need investors. I upped the loan interest rate because I need to fill this amount ASAP, but at the same time I want to have a competitive rate since profit margin these days is small on almost everything. However there are still things in the tech world that can generate good returns. That's all I will say about it.

I am hoping to develop good networking relations with you folks on here, so we can all make some money...

thanks,

Buying the rental property

Purpose of loan:
This loan will be used to help obtain?mobile home park?that I am interested in purchasing.? I am just getting started investing in real estate and have found a great deal on the mobile home park.? My friend told me about Prosper and I am happy to support it instead of a traditional bank loan.? So I am requesting this loan in order to build up a trusty relationship with this wonderful site?Prosper.

My financial situation:
I am a good candidate for this loan because I will make my monthly payments.?Overall credit history is?very good and I pay my bills on time. I?am disabled as of Janurary 2009?due to a medical condition?that was caused by construction career.?I just left my carpentry career and I am back?at school pursuing my accounting degree.? My wife works for a technology communications company (2 years). She earns about 48k a year.

?I started?receiving Social Security payments recently, so that provides an additional $1006 per month in guaranteed income.? On top of that I receive from 800 - 1200?in additional monthly income from?my?family?business.? My?wife pays the mortgage and car loan?so I only have to pay for credit card payments...My monthly bills before this new prosper loan are approximately $350 for a couple of credit card bills each month. Additionally I have about $2500 savings in a reserve account...Thank you for your support!

Paying off 19.99% Credit Card

Purpose of loan:
This loan will be used to? pay down one credit card with an interest rate of 19.99%. Recently, I was on track to paying it off, but the credit card increased the interest rate from 3.9% to 19.99%. I would rather pay 'real' people the interest than an institution who doesn't care about their customer(s).

My financial situation:
I am a good candidate for this loan because? I have been employed as an x-ray technician at the same company for 12 years and going strong. I also promote products during my free time as a Brand Ambassador, so I am constantly working at street festivals. The high cost of maintaining my home & commuting to work has created a huge financial havoc. Please help me pay off my credit cards. Thank you for reading & please help me!!

Income: ???? ???? ???? $4400 (after tax)
Mortgage:????????????? $2495
Credit cards:????????? $1000 (balance of $20000)
Expenses:???????????? $500 (utilities, fuel, bridge tolls, etc)

EDUCATION/2nd Loan

Purpose of loan:
This loan will be used to?continue my education at?Cal State University San Bernardino. In addition, I also need car repairs done immediately and to repair a garage.??

My financial situation:
I am a good candidate for this loan because I am a responsible husband, father and teacher.?It?has been my dream to earn my Doctorate degree for quite a few years now and I was finally accepted into the doctorate program, so this is my only chance.Please help me fulfill that dream, so I can continue to help numerous disadvantaged students. I? know I can make a difference in childrens' lives as I have in the past. Plus this?degree will help me to fulfill that dream. In addition, I have a small loan with Prosper and have made all of the payments on time. Thanks for reading and Thank You for your help.??


Monthly net income: $ 4200

Monthly expenses: $
??Housing: $ 1824
??Insurance: $ 100
??Car expenses: $
??Utilities: $ 70
??Phone, cable, internet: $ 200
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 200
??Other expenses: $

Combine all bills into one

Purpose of loan:
I want to combine all my bills into one to get them paid off faster, which includes combining my other prosper loan into one loan..? I have been working very hard at repairing my credit to which since the last loan my score has increased from the 560 mark to yesterday when I pulled up on credit karma it is up to 654.? I feel that if?I can combine all these together I can pay more on these each month and?hopefully instead of the 36 months I can pay off in 18 months or less.? I have worked and strived hard to get my credit to back where?it was which was excellent and I feel I am on my way and this will help me even more to accomplish this goal.? ? The one bill that is in deliquency for $8400 is a Sears CC that hada $12,000 credit limit and balance that had fell behind and went to a collection agency but I have had a payment plan with them for over a year but feel not I am not making a lot of progress.? Would love to be able to pay that off and include all others bills.?


Monthly net income: $ 2900

Monthly expenses: $ 2133
??Housing: $ 1236??Insurance: $?53??????????Car expenses: $ 50??Utilities: $?175??Food, entertainment: $ 100? Credit cards?$320? Loans:? $199
My wife pays for part of the bills and me the other part so that is why I have not included some.

Please help me to get these bills pay off faster than I would paying them individually.? This will include combining my other prosper loan into this?so I have just one basic payment a month.?? Please help me get debt free. Thank you so much for your consideration.

Taking Control Of my future

Purpose of loan:
This loan will be used to? Pay some hospital bills, taxes and a credit card bill.

My financial situation:
I am a good candidate for this loan because? I payed my first loan off with no problem. I am a no risk borrower. I am a very responsible person. I will pay back the balance of this loan when i get my tax return.

Monthly net income: $ 3062.00

Monthly expenses: $
??Housing: $
??Insurance
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Adopting 3 Daughters from Ukraine

Purpose of loan:
This loan will be used to? for our adoption of our 3 daughters from Ukraine (ages 10, 11 & 15). My wife and I have 2 biological children and 1 adopted daughter from Russia who is 11 years old. I know what it means in the life of a child to have a forever family and this loan is going to change the lives of 3 children for eternity! There is no better use of money than to invest in people - there is no greater return! We will be traveling in February to bring the girls home and this loan will make it financially possible!

My financial situation:
I am a good candidate for this loan because?I have always paid my bills! History repeats itself and I have never made late payments on anything! I make wise financial choices, have secure employment and will repay this loan as I have repaid everything else I have ever borrowed.

Moving Expense Help

Purpose of loan:
I am resubmitting a request for a loan to pay for upcoming moving expenses.? I have increased the interest rate in an attempt to secure the loan. My Wife and I?are relocating from Tampa Bay to?Vero Beach at the end of this month.

My financial situation:
I was forced into bankruptcy in June of 08 due to?a divorce. ?Since then, I have been steadily rebuilding my credit in small incremental steps and plan on purchasing a home next year. ?I pay my bills on time.? I?received a promotion and will receive a salary increase as well as a bonus program next month.? My job is stable, and I have been with the same company for nearly 8 years.

Monthly net income: $3,610
Monthly net income: $3,610
Gross Income:$60,271 (this does not include my spouse?s income) I have added my car allowance to my gross income.

Monthly expenses:?
Housing: $1050
Insurance: $ 125
Car expenses: $ 296
Utilities: $200
Phone, cable, Internet: $145?($87 reimbursed)
Food, entertainment: $250
Clothing, household expenses $150
Credit cards and other loans: $ 150
other expenses:

Money to fund In Vitro Fertilizatio

Purpose of loan:
This loan will be used to? pay for medication needed for my wife to go through the in-vitro fertilization process

My financial situation:
I am a good candidate for this loan because? I have stable emploment and pay my bills

Monthly net income: $ $2812.00

Monthly expenses: $
??Housing: $ 400
??Insurance: $ 85
??Car expenses: $ 300
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Adios credit cards....and high rate

?I am a Personal Trainer in Los Angeles CA. 2 years ago I set off on my own to open Pure and Simple Fitness ? a personal training business where I no longer had to share in the profits derived from training sessions. The problem: when my oldest daughter was born, much of the related expenses/everyday expenses were put on CC?s and then during the financial meltdown my available credit was reduced which triggered increasing interest, a higher debt ratio, and a lower score(Equifax has me at a 697 as of last week).
I am trying to pay off my highest interest cards. I have negotiated 5 of my cards down and closed the ones I could. It was recommended that my chances of getting a loan would be better in the 4000 range and that is why I am only asking for that amount. I figure something is better than nothing to make a dent in this.
Feel free to ask me any questions you might have, and thanks for bidding!!! This is a re-listing. Hoping 4th time is a charm!? (the last listing was SO close to being funded!)

Monthly net income: $ 6600

Monthly expenses: $ 5854

Hope

Purpose of loan:

In Oct. 2007 I had my 1st loan with prosper 6001.00, Rate 18%, C rating, DTI 16%. Income 16,000.00 31 late pmts all from 3 accts & 1 now delinquent I was just 1 mnth out of my bankruptcy my pmts were 216.95 Loan paid off early. Even while I was unemployed for over 6 mnths??

In July of 2008 I had my 2nd loan 2500.00 my pmnts 104.70, Rate 28.95%, D rating (which makes since my B was fully on file then) DTI 16%, Income 25000.00, 26 late pmts again the dreaded B word, 3277.00 in revolving credit 95% utilization. I also had 19 on time pmts with prosper.??

In Oct. I started to apply for my 3rd loan 5000.00, Rate 34%, HR rating (which doesn?t make since all my pmts have been on time since the B) DIT 23% doesn?t make since, Income 37000.00, 26 late pmts the dreaded B word. 2759 in revolving credit again 95% doesn?t make since, since my last listing it is over 500.00 less.?? I have 50 on time pmts & I am currently?4 mnths ahead on the 2nd loan??

Total pmts were 321.65 this would be 226.18, 95.00 less than what I have been paying.??

Over the last 3yrs prosper has been a lifesaver I felt that I would always have you to fall back on. I can?t go through regular channels & truthfully they don?t deserve my hard earned money.? I would rather give it to someone who cares ? The 1 thing I loved about prosper is that it was real people, who didn?t judge.? People willing to help others & in return receive reward for a good deed done.

I am a good candidate for this loan because?Because I have never missed a prosper payment even?when I was?unemployed for over 6 months


My financial situation:? Monthly net income: $?2300.00

Monthly expenses: $ 1150.00 leaving me with 1150.00
??Housing: $ husband????
??Insurance: $ husband????
??Car expenses: $ 100.00????
??Utilities: $ husband????
??Phone, cable, internet: $ 25.00 work for company
??Food, entertainment: $ husband????
??Clothing, household expenses $ husband
??Credit cards and other loans: $?750.00/Part being my sons school payment per month
??Other expenses: $ 275.00

paying off student loan debt

Purpose of loan:
This loan will be used to? pay off debt

My financial situation:
I am a good candidate for this loan because? current with bills

Monthly net income: $ 5600.00

Monthly expenses: $
??Housing: $ 1800
??Insurance: $ 100
??Car expenses: $ 100
??Utilities: $ 250
??Phone, cable, internet: $ 80
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 1500
??Other expenses: $ 250

Paying Off my Credit Cards

Purpose of loan:
This loan will be used to pay off a high interest credit card.? I would rather pay you than some bank that keeps changing my rates.? I save and your earn.

My financial situation:
I am a good candidate for this loan because even at the proposed interest rate, it will not be more than my current monthly payment, I will pay it off faster and pay less interest.

Dentist bill and one late CC payme

Purpose of loan:
Pay a late Dentist bill and one late credit card bill
My financial situation:
I have been steadly employed for over 25 years and have maintained a 720 plus cedit score.I have a clean civil status and no outstanding? judgements.?

Monthly net income: $
4500.00
Monthly expenses: $
??Housing: $ 795.00
??Insurance: $130.00
??Car expenses: $358.00
??Utilities: $ 75.00
??Phone, cable, internet: $ 45.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 25.00
??Credit cards and other loans: $ 2 cards 25000.00 revolving lines?
??Other expenses: $none

befor thanks giving

Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?

Putting In the Basics

Purpose of loan:
I recently returned from active militaryduty and became married. I would like to make the necessary upgrades for my new family. This includes installing plumbing for a bathroom, purchasing kitchen appliances, washer and dryer.

My financial situation:
My wife and I both work out of the home. Her income was not included for consideration of this loan. Listed below is our monthly income and my monthly expenses.

Monthly net income: $ 3300.00

Monthly expenses: $
??Housing: $ 0
??Insurance: $80
??Car expenses: $ 359
??Utilities: $0???
??Phone, cable, internet: $80
??Food, entertainment: $ 100
??Clothing, household expenses?$200
??Credit cards and other loans: $77
??Other expenses: $ 329.00

Thank you for taking the time to read this.? We appreciate your consideration for bidding- it will be put to good use.

Pay off my credit cards

Purpose of loan:
This loan will be used to pay off credit card debt.?

My financial situation:
I am a good candidate for this loan because my wife and I have never been late on any?debt. We had to file a chapter 7 bankruptcy about 5 years ago but since then we have purchased a house, paid off a car, paid off the lease on a car ( we are currently purchasing the car ). we will continue to pay all our bills on time we were trying to get?ahead?by consolidating our credit card debt.?We always pay more then the minimum due.?

Monthly net income: $ 5600

Monthly expenses: $
??Housing: $ 3000
??Insurance: $?300
??Car expenses: $ 420
??Utilities: $ 200
??Phone, cable, internet: $?100
??Food, entertainment: $?425
??Clothing, household expenses $ 100
??Credit cards and other loans: $?450
??Other expenses: $ 130

Giving away money to my credit card

This loan will be used to eliminate my credit card debt.? I "waste" too much $$$ on interest on my credit cards.? Instead of obtaining more cards at 0% interest for 12 months, I want to have one final loan, consolidating all of my debt.

I am an excellent canidate, as I am a Sr. Financial Analyst at Bank of America Insurance, in a steady environment.

My monthly net income after tax and 401K is over $3,800

Monthly expenses: $ ??Housing: $650 ??Insurance: $90??Car expenses: $540??Utilities: $65??Phone, cable, internet: $?90??Food, entertainment: $ 550??Clothing, household expenses $ 25??Credit cards and other loans: $?800??

3rd Prosper Loan...54 Payts On TIME

Purpose of loan:
Pay off Title Loan ....re-listed.....please consider.....
Had 2? previous Prosper loans.....NEVER LATE......54 on time payments?......please see Prosper payment history.
I have paid back over $ 18,000 on time...

Had gotten title loan 3 months back to pay some medial bills and for my sons
tuition at Sylvan for the summer. Interest payments of 530.00 , but no principal reduced.
Need to pay out as soon as possible.

My financial situation:
Net monthly income is 4400.00
Expenses total of $ 1575.00..

Does not include the final Proper payt of 622.00 I will pay before this auction is over.
or the Title Credit loan I want to pay out with this new loan.

On?present job for 29 yrs. Income 67,500 annually. Married 18 years.?I have lived at our present home
for over 15 years. I am a HomeOwner.....my name is on our deed....loan in husbands name.
I will send tax bill for proof to Prosper.

Need to pay to off the following:
Title Credit....5550.00(title pawn..costing me 530.00 per month in?interest only)

I believe I am a good candidate for this loan. I can assure you all payments will be?made on time.
Please see me Prosper payment record......54 on time payments to Prosper...

Thank you for considering bidding on my loan request.

buy a toyota Tacoma

I have a lender portfolio in prosper in active?cash flow?with loans for 3 years.Means I got to be here.
I am a good candidate for this loan because I had been in Prosper long time ago and I always pay on time,my credit is good
and I am taking care of it,before I was negligent in follow up with my credit but now I am always checking that everything is ok,.
?? I need a pickup truck with good? presence because I am planning to make delivery of furnitures and small ones in the South Beach area.
Actually I own 2 cars a Nissan Sentra 2003 in good conditions and a pick up truck 97 dodge but I prefer has a new car than 2 olds,
and I save in insurance.I need the pick up truck anyway because my rentals need always some material to be purchased and I decided has only one car.
I have a portafolio in Prosper and at the same time I want payoff a balance in one loan I has in prosper that I always pay on time...I have a job,my properties
are all rented out and I am making my iwn repairs so is not a problem pay for this loan and I am a heavy worker my obligations first. My credit score is 720.

Low Income Senior Co-Housing

Purpose of loan:? My husband and I live in California and own property in?western New York state.? We provideaffordable, long term?co-housing for low-income seniors in both states.? All of our tenants are on some type of fixed government income (SSI, SDI, pension, etc.).??Each property is:
1.)? Free and clear of loans and liens,
2.)? 100% occupied with long term senior tenants,
3.)? Professionally managed locally,
4.)? Totally renovated with energy efficient systems,
5.)? Inspected by code enforcement official,
6.)? Rental cash flow of up to $40,000 annually (depending upon the property),
7.)??Pictures and floor plans available upon request (area code 916),
8.)? Current financial statement available upon request (788).

For a quick overview of our project go to:? www.oleantimesherald.com
Click on the link to previous issues of the newspaper, go to October 6, 2009, and type in "California man in Olean to help poorest people".? This will lead to a recent front page article on our projects (1849)

We?recently purchased?a?multi-family?property in town at a tax auction that needs renovation and will eventually house 10 seniors.? Certain repairs are necessary to winterize the building before?the harsh winter sets in.? We?have another property in?California that is currently in escrow that will provide adequate renovation money for the property.? However, that sale will not be finalized for another 60 days.? In the meantime we are property rich and cash poor.??

My financial situation: We are willing to secure the loan with a first note and deed of trust on any of our existing, occupied properties.? The loan would adhere to standard "hard money" guidelines - 15% interest, interest only, 2.5 points on the loan, due and payable in one year or when our California property is finalized.? We are currently working on loans with several "hard money" lenders in Buffalo and New York City.? However, our son who is a commercial broker in San Francisco and an internet savvy Stanford grad, suggested this Peer-to-Peer concept.? So here his parents are...............we will see if it works.? Time is of the essence, so?if there are lenders out there interested in assisting us reach our goals of helping low-income seniors please contact us.? Thank you for your interest.

Monthly?gross income: $2,000 to $3,310 per property,?depending on the property.?

Monthly expenses:?We pay all the utilities, insurance, and taxes on each property.??These monthly expenses are usually 30% of gross rental income per property.??All units are fully furnished - the tenants only provide their own pillow and?clothing.?

pay off a personal debit

Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?

Monthly net income: $

Monthly expenses: $
??Housing: $ 350.00
??Insurance: $
??Car expenses: $ 500.00
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $ 75.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 650.00
??Other expenses: $50.00

Paying off credit card debt

Purpose of loan:
This loan will be used to pay off?credit card debts. Last year my?husband and I did some home improvements (re-carpeting/tiling floors and interior painting). We have been fighting to pay that credit card debt ever since. We all know it is hard to get ahead of the interest rates on credit cards. We have created a budget and have a good plan to pay these off. The payoff would be much sooner and easier with a lower interest rate.That is why we have turned to prosper to try and undercut the interest rate on credit cards.

My financial situation:
I am a good candidate for this loan because I have a secure job with a?good credit rating and I pay my bills on time. I share my bills with my husband who also has a secure job with a very stable and long work history of 10 years earning $60,000 a year. We both have a combined net income of $6,500 a month and?do not have a car payment since its paid off. We just got approved on?loan modification of our house as well and should be closing in a couple of weeks with a much lower interest rate. Our goal is to beat this high interest rate and be debt free from credit cards sooner to be able to enjoy life with family.

My Monthly net income: $ 2200

Monthly expenses: $ ***? Please note I share my bills with my husband***
??Housing: $ 2000
??Insurance: $ 150
??Car expenses: $0 (paid off - just normal maintanence - avg $30 a month)
??Utilities: $ 350
??Phone, cable, internet: $150
??Clothes, Food, entertainment: $ 400-500 (we have a 7yr old and a 6 month old)
??Credit cards and other loans: $?900
??Other expenses: $ 250

Prototype Production

Purpose of loan:
This loan will be used to build the prototype necessary to create sales for my new start up business. Technically the invention is a simlple reinvention of the bar industry. However, the true value of the product will be it's ability to lower costs, increase revenue, increase turnover, and generate a unique entertainment and attraction for customers. The product which cannot be disclosed over the internet due it having only a provisional patent has the potential to generate 100% ROI in less than one year.

My financial situation:
I am a good candidate for this loan because I am fully invested in this company. I have?the determination?and drive to ensuer this business is a success. After having conducted preliminary revenue forecasts for the business I believe I can make this a million dollar business in 5 years. Therefore, I am more than willing to pay investors triple their initial investment in exchange for a 5 year loan.

buying furniture for me and kids

Purpose of loan: I would like to puchase a bedroome set for myself and my sons

My financial situation:
I am a good candidate for this loan because? As a military family we have a solid source of income but local lenders charge high interest rates. Thank you for your time.

Help to pay off Credit Cards

Purpose of loan:
This loan will be used to?Pay off our current prosper loan at 29.9%, ouch! Pay off three nasty Credit Cards.? We would use any leftover money to help my wife start advertising her business. She recently graduated from beauty school and is a licensed cosmetologist trying to build her clientele. We would also like to start our daughter in some fun educational classes. We would really like to get our debt payed down so that we could own our own home in the near future and give our daughter all the opportunities in the world. I would also use a little of the money to put snow-tires on my car? so I can safely get to work.

My financial situation:
I am a good candidate for this loan because? We have never been late on our rent in 4 years at this complex. We take care of all our bills. I have a very good job that as winter and snow approaches, has potential to pull in a lot of money. I will be on call 24/7 for snow removal...lots of overtime. My wife has a growing clientele. We are very responsible trustworthy people, and appreciate life and all that the world and its people have to offer.

Monthly net Household income: $ 2,700

Monthly expenses: $
??Housing: $ 800
??Insurance: $ 400 ( health and auto)
??Car expenses: $ 260
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 350
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 200
??Other expenses: $ 50 ( emergency cash, or dr. co-pays)

Property Taxes for a Duplex I own.

Purpose of loan:
to pay for this years property taxes over a few months instead of one lump sum!

My financial situation:
Very stable for a very long time! This duplex has had the same tenants for 3+ years now and is a great source of positive cash flow.

Monthly net income: $ 8,300?Rental income $1,860

Monthly expenses: $
??Home: $ 828Duplex: $ 630Rental house #2: $ 545
??Insurance: $ 200
??Car expenses: $ 230?
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $?500
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 500
??other expenses: $ 300Total monthly income $ 10,160Total bills: $ 4,233

Tired of out of control banks

Purpose of loan:
This loan will be used solely to pay off credit card debt.

My financial situation:
I am a good candidate for this loan because? I have a steady and reliable income stream and a spouse that is has owned his own business since 1975.? We are confident that out business enterprises will continue to grow even in a recession.

Monthly net income: $ 2,500

Monthly expenses: $1,324
??Housing: $?0
??Insurance: $ 600.????????????????
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 24.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 1,200
??Other expenses: $ 150.00

Attny Fees to collect 100K judgment

Purpose of loan:
This loan will be used to pay attorney fees.? I sold?a side business?in June of 2006 with a structured buy-out? to?be paid over a four year time period.? Two years into the agreement, the buyer stopped making payments and hasn't paid me a dime since.? After two years of legal red tape, I have finally been awarded a judgement against the buyer of over $102,000.00.? In order for my attorney to begin the process of collecting on this judgement, I need to pay the remaining legal fees.???

My financial situation:
I am a good candidate for this loan because? Up until two years ago my credit rating was ALWAYS in the high 700's.? Because the buyer of my side business stopped making the payments but still left me with the business debt, my credit score has?been?dramatically effected.? I am a Vice-President of a large insurance agency with multiple locations.? My base salary is $78,000.00 with large year-end bonus potential.

Monthly net income: $ 6,000

Monthly expenses: $ 4,585
??Housing: $ 2,400.00
??Insurance: $ 35.00
??Car expenses: $ 550.00
??Utilities: $ 225.00
??Phone, cable, internet: $125.00
??Food, entertainment: $400.00
??Clothing, household expenses $150.00
??Credit cards and other loans: $600.00
??Other expenses: $ 100.00

Neeed Funds to Renovate Property

Thank you for taking time to review and consider my request.
I am full time employed with a good income and own a rental property that produces enough income to pay it's mortgage, taxes and insurance.
I need these funds to renovate a huge basement for expanding my tenant's day care business.
?With or without her extra expected and assured additional day care income,? I am quite capable of meeting this loan obligation on my own.
I do have a track record already with Prosper whereby I have paid off $17,000 loan as promised; I can therefore assure you that your investment is safe with me.
I am hard working person, kind, responsible and honest
and believe in doing right, in all
aspects of everyday life.

Thank you for your help
Sam

Pay off high interest credit cards

PLEASE NOTE THAT THE INCOME AND DEBT TO INCOME RATIO ARE NOT INCLUDING MY HUSBAND'S INCOME

Purpose of the loan: My husband and I got behind on our mortgage a little over a year ago due to my husband suffering from an illness.? During that time he was temporarily laid off because he had to spend a lot of time at the hospital.? We did not have health insurance and as you can imagine the bills went through the roof!!? His health was first and foremost to us at the time.? He has since been diagnosed and treated and is back to work full time as an electrician.? We have modified our mortgage and are current on all our bills (thank God!!)? We are looking for this loan to consolidate our credit card debt, the interest rates are extremely high.? We are turning to Prosper because our debt issues have been hard to overcome with conventional lending.? We want nothing more than to erase those issues and improve our credit scores to better our future.?

My financial situation: We are up to date on all our bills. This loan will be used to consolidate all our credit card debt and to pay off a pay day loan.

Why am I a good candidate for paying back this loan? Because my husband and I are working as hard as we can in the crazy economy to keep our heads above water.? We have overcome so many hardships in the past year and just want to feel free!!? We are hard working, honest people whom have had a tough time this year and just want to be on track financially so we can think about starting a family.

Monthly net income: $2,400.00 plus my husband's income of $2,800.00 - TOTAL INCOME: $5,200.00

Monthly expenses:

House: $1400.00
Insurance: $120.45
Car expense: $412 for my husband's car
Utilities: $200.00
Phone, cable, internet: $100.00
Food, entertainment: $200.00
Credit cards, other loans: $200.00
TOTAL EXPENSES: $2,632.45

Feel free to ask me any questions you may have.? I am worth the investment and will be able to make the monthly payments - this can change our lives!!? Thank you for your interest!!

GOOD INVESTMENT!!! BETTER RETURNS!!

Purpose of loan:
This loan will be used to pay down my credit card debt. As you probably can see from this posting, my credit card debt is very high and need's to be paid down in order to increase my credit scores. I am attempting to increase my credit scores and payback this loan within 6 months. This will give me a better chance at getting funded for a $15,000 loan I need?in order?to expand my current business.

My financial situation:
I am a good candidate for this loan because I have the means to pay it back in a very short period of time giving investors a much quicker return. This will give you, the investor, a quick return and free up cash to make bigger and better investments. I am a retired CFO with over 25 years experience in this position. With that being said, as a CFO you live by a code of ethnics and I know what investors want and that I usually give to my investors. Just by reviewing my profile, I have a long steady history of never having any late payments or delinquencies ever!! That is the number one reason you?can rely on?your investment?being better?secured. Please do not hesitate to bid because you will find that this is one of the better, more secure?investments you can make here on Prosper.. Thanks!

Monthly net income: $ 8,500

Monthly expenses: $
??Housing: $ 1250
??Insurance: $?300
??Car expenses: $?200
??Utilities: $?300
??Phone, cable, internet: $100
??Food, entertainment: $400
??Clothing, household expenses $?100
??Credit cards and other loans:?$600?
??Other expenses: $

MY WEDDING DEBT

Purpose of loan:
loan will be used to?pay off my weddingI? My wife and I would much rather pay individuals than banks.?

My financial situation:
I am a good candidate for this loan because my wife and I make good money and have never defaulted on any loans.? We recenlty got married and looking to pay off the remaining wedding expenses.? We?are committed to paying off everything?within 2?years.....we think that is fully attainable, with a budget and perseverence.???I should also mention that my wife works and greatly contributes to the bills as well as entertainment. Prosper does not let me include her income.

Monthly net income: $ 3,900
Monthly expenses: $
??Housing: $?1,200
??Insurance: $ 85
? Utilities: $ 200
??Phone, cable, internet: $ 65
? Credit cards and other loans:?$250


We have an?excellent record of properly paying all?of our?loans in a timely manner.? If you have any questions please don't hesitate to ask.?? Send them and?we will respond ;)


I appreciate your confidence in me and allowing me to borrow your funds.

Thank you!

Bil and house repairs!

Purpose of loan:
This loan will be used to?

Pay down some of my cards and start in on repairs for the home that i will sell in spring 2010.

My financial situation:
I am a good candidate for this loan because?

Money is tight and have a bit of debt. Separated and headed for divorce....so times arent so good per say. However, in spite of all that the future is bright as i head for a fresh start with a new someone special. Though debt is high, after the house that i own in partnership sells (located in one of the more upper-scale areas of california), which will go on the market in spring 2010, my financial situation will improve greatly. I have always held a quality job, never been fired or laid-off even in the worst of times. And even in tough times, always make sure paying my bills is a priority over other things such as liesure activities or otherwise. Being a responsible debt re-pay-er is something i pride myself in.

Paying off my credit cards

Purpose of loan:
This loan will be used to?pay some of my credit accounts.

My financial situation:
I am a good candidate for this loan because I always pay my bills on time?and I been on my current job for more than 10 years.

Monthly net income: $2,708.23

Monthly expenses: $
??Housing: $950.00
??Insurance: $0.00
??Car expenses: $40.00 (Car Insurance)??
??Utilities: $140.00 ?
??Phone, cable, internet: $109.00
??Food, entertainment: $250.00
??Clothing, household expenses $100.00
??Credit cards and other loans: $180.00
??Other expenses: $127.00 (My daughter school) (This amount is only for 6 months of the year)

Fitness DVD Production Loan

PURPOSE OF LOAN:
I am seeking $20000 to fund the production of the first DVD in a new series of home workouts that showcase popular styles of dance from intriguing international cities. The DVD provides viewers with a body sculpting workout, a repetoire of fun dance moves and a virtual visit to an enticing international city. Using sales numbers of similar DVDs that have released since 2007, I project I will be profitable after the first year of sales.

SOURCES AND USES OF FUNDS:
$10000 of the loan will be used to shoot and edit the video. $3000 will pay for music licensing. The remainder will cover expenses including a lawyer, the website and publicity. I have $10000 of savings available to use as emergency funds.

ABOUT ME:
I currently run a business the world?s top makeup artist. I oversee a brand partnership with Proctor & Gamble. I produce luxury fashion events in NYC and Paris, including Christian Dior Haute Couture shows and Louis Vuitton Ready-to-wear shows. I hope to bring all my experiences together: fashion, travel, music and dance to create a product of the highest quality that provides users with a unique, fun, on-trend home exercise experience.

I am an outstanding candidate for this loan. I have excellent credit, no debt and solid employment. I have researched the endeavor throughly and created a strong strategy to execute my vision with the best returns.